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class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <p>Our Cost to Originate research covers factors driving up origination costs, benchmarks of cost-efficient lenders, best practices and solutions to improve pull-through rates, revenue and the borrower experience.</p> </div> <a href="/articles/insights/2024-cost-to-originate-study" class="button button primary" >Get the Study</a> </div> <div class="cell large-7 small-order-1 large-order-2 roofline-accent"> <img loading="eager" src="/system/files/2024-05/SF_CS_1319660868_CostToOriginate_Hero_580x475%202.jpg" width="580" height="475" alt="CostToOriginate" /> </div> </div> </div> </div> <div class="grid-container padding-top-3 padding-top-4-large standard"> <div class="grid-x"> <div class="cell"> <div style="height:2.00rem;" class="show-for-small"></div> <div style="height:2.00rem;" class="show-for-large"></div> <div class="grid-x grid-padding-x grid-padding-y medium-up-2 large-up-3 gutter-bottom" data-equalizer data-equalize-by-row="true"> <div class="cell"> <a class="no-decoration" href="https://dpaone.freddiemac.com/" > <div class="card background-concrete no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img loading="lazy" src="/sites/g/files/ynjofi176/files/SF_CS%201253856194_Couple_580x475_EC-Second%20Header%20Image_1.png" width="380" height="285" alt="couple closing a deal" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">DPA One<sup>®</sup></h3> <p class="flex-child-grow"> DPA One is a free, online resource developed for housing professionals. DPA One is designed to help you quickly find, understand and match down payment assistance (DPA) programs for borrowers who need financial assistance to purchase a home. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> <div class="cell"> <a class="no-decoration" href="/loan-product-advisor/run-with-opportunity" > <div class="card background-concrete no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img loading="lazy" src="/sites/g/files/ynjofi176/files/home-page-sf-tile-380x285.png" width="380" height="285" alt="Office staff discussing together with computer and paper" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">We鈥檙e Expanding Opportunity to Make Home Possible</h3> <p class="flex-child-grow"> Introducing LPA Choice<sup>SM</sup>- new Loan Product Advisor<sup>庐</sup> feedback messages that help you turn Cautions into Accepts. With unprecedented and actionable information, it鈥檒l help you make faster and more informed decisions. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> <div class="cell"> <a class="no-decoration" href="/working-with-us/origination-underwriting/mortgage-products/choicerenovation" > <div class="card background-concrete no-margin-bottom-large" data-equalizer-watch="" >  <div class="card-image " > <img loading="lazy" src="/sites/g/files/ynjofi176/files/SF_910824818_DTS_Nuture_ChoiceReno3_0.jpg" width="889" height="667" alt="Couple painting wall, smiling" /> </div> <div class="card-section"> <h3 class="h4 weight-medium">CHOICERenovation<sup>庐</sup></h3> <p class="flex-child-grow"> CHOICERenovation allows lenders to deliver loans to Freddie Mac where the borrower uses the loan proceeds to pay for the renovations. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn more</span></span></p> </div> </div> </a> </div> </div> <div style="height:2.00rem;" class="show-for-small"></div> <div style="height:2.00rem;" class="show-for-large"></div> <div class="paragraph--column-container grid-x grid-padding-x" > <div class="cell large-12 medium-12 small-12"> <div class="paragraph paragraph--type--wysiwyg paragraph--view-mode--default"> <h2 class="h1">Supporting Your Business</h2><p>Discover more ways that Freddie Mac Single-Family can help your business do more business and operate more effectively and efficiently.</p> </div> </div> <div class="cell large-12 medium-12 small-12"> <div class="grid-x grid-padding-x grid-padding-y paragraph--card-tile-grid" data-equalizer data-equalize-by-row="true"> <div class="cell large-4"> <a class="no-decoration block-link" href="https://guide.freddiemac.com/app/guide/"> <div class="flex-container"> <div class="card-section background-white hollow" data-equalizer-watch> <h3 class="accent-primary">Seller/Servicer Guide</h3> <p class="flex-child-grow"> The same content you depend on, but more streamlined, intuitive and usable, with a modern look, robust search and improved functionality. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> <div class="cell large-4"> <a class="no-decoration block-link" href="/tools-learning/technology-tools/our-solutions"> <div class="flex-container"> <div class="card-section background-white hollow" data-equalizer-watch> <h3 class="accent-primary">Freddie Mac Gateway Solutions</h3> <p class="flex-child-grow"> Access Single-Family tools to manage your loans throughout the entire mortgage lifecycle. This all-inclusive platform streamlines your workflow. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> <div class="cell large-4"> <a class="no-decoration block-link" href="/tools-learning/freddie-mac-learning/overview"> <div class="flex-container"> <div class="card-section background-white hollow" data-equalizer-watch> <h3 class="accent-primary">Training and Education</h3> <p class="flex-child-grow"> Training resources designed to provide the guidance you need to succeed. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> <div class="cell large-4"> <a class="no-decoration block-link" href="/working-with-us/origination-underwriting/mortgage-products"> <div class="flex-container"> <div class="card-section background-white hollow" data-equalizer-watch> <h3 class="accent-primary">Mortgage Products</h3> <p class="flex-child-grow"> The mortgage market never sleeps, so Freddie Mac is continually innovating and improving the mortgage types we offer. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> <div class="cell large-4"> <a class="no-decoration block-link" href="/working-with-us/housing-counselors/support-consumers"> <div class="flex-container"> <div class="card-section background-white hollow" data-equalizer-watch> <h3 class="accent-primary">Programs for Borrowers</h3> <p class="flex-child-grow"> An educated consumer is your best borrower, and we have a wealth of materials like CreditSmart<sup>庐</sup> to provide financial education. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> <div class="cell large-4"> <a class="no-decoration block-link" href="/tools-learning/access-manager/overview"> <div class="flex-container"> <div class="card-section background-white hollow" data-equalizer-watch> <h3 class="accent-primary">Technology Management</h3> <p class="flex-child-grow"> Tools like Access Manager make it easy to manage your teams and the tools they use to do business with Freddie Mac. </p> <p class="align-self-bottom"><span aria-hidden="true" class="arrow-text"><span>Learn More</span></span></p> </div> </div> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div lang="en" class="share-wrapper grid-container fluid hide-for-print hide"> <div class="grid-x"> <div class="cell"> <div class="share-widget"> <div class="share-title"> <svg class="stroke-anchor" aria-hidden="true" viewBox="0 0 24 20" width="16" height="16" style="width:1.25rem;height:1.25rem;" xmlns="http://www.w3.org/2000/svg"> <path fill="none" stroke-width="1.5" d="M11.21 5.38H8.45q-5.87 0-7.21 4.54c-1.16 3.56.09 7.83.09 7.83A13.72 13.72 0 0 1 3 13.21c1-1.33 1.87-1.87 4.63-1.87l5.61-.09v4.81L20.2 8.4 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